Basis: Trailing twelve months (TTM). Source: stored company filings and market data; unavailable inputs remain N/A.
Is the interest coverage ratio high or low?
The interest coverage ratio of 0.90x is 320% above its 4-year average of -0.41x, around the middle of its 4-year range (-4.47x–3.84x).
255.57% above its 12-month average of -0.58x.
Reported quarterly interest coverage; no daily interpolation. Q2 FY2026 (2026-06-30): -0.18x.
INTEREST COVERAGE RATIO
0.90x
INTEREST COVERAGE RATIO AVG TTM
-0.58x
INTEREST COVERAGE RATIO AVG 3Y
-0.34x
INTEREST COVERAGE RATIO AVG 5Y
N/A
INTEREST COVERAGE RATIO AVG 10Y
N/A
INTEREST COVERAGE RATIO AVG 15Y
N/A
INTEREST COVERAGE RATIO AVG 20Y
N/A
CURRENT VS TTM AVG
+255.57%
CURRENT VS 3Y AVG
+364.18%
CURRENT VS 5Y AVG
N/A
CURRENT VS 10Y AVG
N/A
CURRENT VS 15Y AVG
N/A
CURRENT VS 20Y AVG
N/A
SECTOR MEDIAN · FINANCIAL SERVICES
3.64x
median of 37 covered companies
CURRENT VS SECTOR MEDIAN
-75.27%
vs the sector median at left
The Baldwin Insurance Group, Inc.
Market Cap
$2.59B
Interest Coverage Ratio
0.90x
TTM Avg
-0.58x
3Y Avg
-0.34x
5Y Avg
N/A
Market Cap
$2.51B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$2.50B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$2.49B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
Market Cap
$2.44B
Interest Coverage Ratio
N/A
TTM Avg
N/A
3Y Avg
N/A
5Y Avg
N/A
| NAME | MARKET CAP | INTEREST COVERAGE RATIO | TTM | 3Y | 5Y |
|---|---|---|---|---|---|
| The Baldwin Insurance Group, Inc. (BWIN) | $2.59B | 0.90x | -0.58x | -0.34x | N/A |
| Merchants Bancorp (MBINM)vs › | $2.54B | N/A | N/A | N/A | N/A |
| NBT Bancorp Inc. (NBTB)vs › | $2.64B | N/A | N/A | N/A | N/A |
| First Merchants Corporation (FRME)vs › | $2.51B | N/A | N/A | N/A | N/A |
| First Bancorp (FBNC)vs › | $2.49B | N/A | N/A | N/A | N/A |
| First Busey Corporation (BUSE)vs › | $2.50B | N/A | N/A | N/A | N/A |
| Columbia Financial, Inc. (CLBK)vs › | $2.49B | N/A | N/A | N/A | N/A |
| Oxford Lane Capital Corp. (OXLCM)vs › | $2.44B | N/A | N/A | N/A | N/A |
| Merchants Bancorp (MBINN)vs › | $2.39B | N/A | N/A | N/A | N/A |
| First Merchants Corporation (FRMEP)vs › | $2.79B | N/A | N/A | N/A | N/A |
Interest Coverage
0.9x
Debt/Equity
3.04
Current Ratio
1.07
Formula: Interest Coverage = EBIT / Interest Expense
Reference ranges:
Note: Interest coverage should be compared with historical interest expense, operating income, and industry capital structure.
Interest Coverage = EBIT / Interest Expense
The interest coverage ratio measures operating earnings relative to interest expense.
Expanded definitions: Investopedia, Wikipedia, Corporate Finance Institute
| DATE | INTEREST COVERAGE RATIO |
|---|---|
| 2026-06-30 | -0.18x |
| 2026-03-31 | -2.30x |
| 2025-12-31 | 0.06x |
| 2025-09-30 | 0.10x |
| 2024-03-31 | 1.09x |
| 2023-12-31 | -0.93x |
| 2023-09-30 | 0.00x |
| 2023-06-30 | -0.57x |
| 2023-03-31 | 0.13x |
| 2022-12-31 | -2.62x |
| 2022-09-30 | -1.44x |
| 2022-06-30 | 1.74x |
| 2022-03-31 | 3.84x |
| 2021-12-31 | -4.47x |
